KIPLINGER'S PERSONAL FINANCE provides down-to-earth advice on managing money & achieving financial security. We provide our readers with trustworthy information & practical guidance on saving investing planning for retirement paying for college buying an automobile home & other major purchases as well as reliable advice for all stages of their financial lives. Our readers are affluent & influential men & women who are actively involved in their personal-finance decisions & we are guided by the expectation that they will act on what we write about & benefit from doing so.